Next-Gen Servicing - Commerce Ventures
Next-Gen Servicing
Modernizing the infrastructure to manage, view, and collect loans will not only result in upside for providers but remove unnecessary friction from already painful consumer actions.
Loan origination and servicing is a notoriously slow and analog experience for consumers. But beyond the need to simply keep up, lenders could unlock improved repayment rates, faster collections, and enhanced experiences by implementing new streamlined solutions to modernize the servicing journey.
Why Now? Consumer loan debt has exploded in the past few years, increasing about 25% in 2021 largely concentrated in personal loans. As a result, loan servicers and collectors are facing far more stress with an ever-increasing volume of loans to issue, service, and collect. Current real-time balance calculation and other reconciliation data are fragmented amongst multiple stakeholders in the loan journey, creating a need for an intuitive, digital source of truth. Modular and consumer-friendly technology that can account for real-time updates could transform the industry.
Who Cares?
- Consumers
- FinTechs
- Lenders
What Areas Excite Us Today?
- Personal loans
- Credit loans
- Value-add services
- Loss mitigation
- Outreach
- Customer UI
- Compliance
- User-friendly collections
- Loan management systems
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